The paper "Investigation of Factors Affecting Consumers’ Use of Internet Banking in Australia" is a perfect example of a micro and macroeconomic case study. An example of a paradigm assumption used in the study is the positivist assumption. This is an assumption that is based on realist ontology which assumes that there exist real objects in addition to the people who have the knowledge about a particular phenomenon (Bartram, 2005, p. 241). Generally, it assumes that there exists an object in reality. In this article, this assumption is demonstrated by explaining how the continued use of technology has resulted in the innovation of internet banking.
It emphasizes that as a result of the continued use of technology, man has been interested in how he can manipulate it to perform internet banking. This theory also suggests that people rely on the perception of the outside world to get information about a particular issue that needs to be understood (Bhatnagar and Sharma, 2005, p. 176). In this article, it is observed that the author used articles and journals published by others so that he could believe the factors that affect consumer’ s use of internet banking.
This is contrary to the fact that he may have experienced the impact of factors such as availability of technology, capital resources and skills of using internet technology in internet banking. In methodology, this paradigm assumption states that positivists rely on experimental and manipulative methods so that they can understand a particular problem during research. In this article, it is found that the author used primary research which is experimental so that he could understand the factors that determine the use of internet banking among respondents.
The researcher achieved this by conducting research in Sydney, Australia, where a number of respondents were interviewed. This is because primary research contains first-hand information that includes experiences and observations that have been made so that a particular problem can be understood (Boxall, Macky and Rasmussen, 2003, p. 19). Furthermore, the methodology of this paradigm assumption is based on the formulation of hypotheses that are tested to understand the research question. In this article, it is found that the researcher has used a number of hypotheses so that a tentative solution can be obtained with respect to the research question.
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